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For sale by owner
  • $885,000

    20111 SW 82nd Pl, Cutler Bay, FL 33189

    3beds
    2,300sqft
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    SingleFamily
    Built in 1994
    9,600 Square Feet Lot
    $-- Zestimate®
    $385/sqft
    $55/mo HOA

    What's special

    Two private docksThree spacious bedroomsUnobstructed water viewsHigh ceilingsEast-facing backyardStainless steel gas rangeScreened swimming pool
    Lakefront Pool Home with Two Private Docks in Saga Bay. For Sale by Owner – $885,000 20111 SW 82nd Place, Cutler Bay, FL 33189 3 Bedrooms | 2 Bathrooms | Sunroom | 2,300 Sq. Ft. | 2-Car Garage Enjoy waterfront living in one of Cutler Bay’s most desirable communities. This well-maintained concrete home is situated on beautiful Saga Bay Lake. It offers unobstructed water views, two private docks, and a screened swimming pool—creating the perfect setting for relaxing, entertaining, and enjoying the South Florida lifestyle. Built in 1994 with approximately five feet of additional elevation, this home features an open floor plan filled with natural light, three spacious bedrooms, two full bathrooms, a bright sunroom overlooking the lake, and an attached 2-car garage. The thoughtfully designed layout provides comfortable everyday living with plenty of space for family and guests. The east-facing backyard is the highlight of the property, offering breathtaking sunrise and moonrise views across the lake. Spend your mornings with coffee on the patio or cool off in the 15’ x 30’ screened pool. From your private dock you can fish, launch a kayak or sailboat, or simply unwind while taking in the peaceful waterfront scenery. Recent Improvements * New concrete flat roof (May 2024) * Fresh interior and exterior paint * Automatic irrigation system Interior Features * Open-concept living and dining areas * High ceilings * Spacious walk-in closet * Walk-in attic for additional storage * Ceramic tile flooring throughout Appliances Included * New washer and gas dryer * Stainless steel gas range * Stainless steel dishwasher * Microwave * Refrigerator * Gas water heater You will love living in the sought-after Saga Bay community, where you enjoy access to neighborhood parks, two sandy lakefront beaches, and the convenience of being just three miles from Black Point Marina, as well as nearby shopping, restaurants, and major roadways. Annual HOA Fee: $568 If you’ve been searching for a true lakefront home with spectacular views, a private pool, and two private docks in an established community, this is a rare opportunity. Please provide proof of funds or a mortgage pre-approval prior to scheduling a private showing.
    120 days
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    365
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    31
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    Listed by:

    Property Owner (305) 318-2858

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Heating
      • Forced air, Electric
      Cooling
      • Central
      Appliances
      • Included: Dishwasher, Dryer, Microwave, Range / Oven, Refrigerator, Washer
      Features
      • Flooring: Tile
      • Has fireplace: No
      Interior area
      • Total interior livable area: 2,300 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      Features
      • Exterior features: Other, Stucco, Cement / Concrete
      • Has view: Yes
      • View description: Water
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 9,600 Square Feet
      Details
      • Parcel number: 3660100070310

      Construction

      Type & style
      • Home type: SingleFamily
      Materials
      • concrete
      • Roof: Other
      Condition
      • New construction: No
      • Year built: 1994

      Community & HOA

      HOA
      • Has HOA: Yes
      • HOA fee: $55 monthly
      Location
      • Region: Cutler Bay

      Financial & listing details

      • Price per square foot: $385/sqft
      • Tax assessed value: $588,237
      • Annual tax amount: $4,193
      • Date on market: 3/15/2026

        Estimated market value

        Not available

        Estimated sales range

        Not available

        $3,694/mo

        Price history

        DateEventPrice
        7/3/2026Listed for sale$885,000$385/sqft
        Source: Owner Report a problem
        6/21/2026Listing removed--
        Source: Owner Report a problem
        3/16/2026Listed for sale$885,000+86.3%$385/sqft
        Source: Owner Report a problem
        3/16/2017Listing removed$475,000$207/sqft
        Source: Best American Realty Corp #A10150798 Report a problem
        9/19/2016Listed for sale$475,000+216.7%$207/sqft
        Source: Best American Realty Corp #A10150798 Report a problem
        4/17/1998Sold$150,000$65/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$4,193 +2.7%$231,645 +2.9%
        2024$4,082 +9%$225,117 +3%
        2023$3,745 +4.4%$218,561 +3%
        2022$3,588 +1.2%$212,196 +3%
        2021$3,547 +2.1%$206,016 +1.4%
        2020$3,473 +3.1%$203,172 +2.3%
        2019$3,369 +5%$198,605 +1.9%
        2018$3,207 $194,902 +2.1%
        2017$3,207 +1.1%$190,894 +2.1%
        2016$3,171 +0.1%$186,968 +0.7%
        2015$3,169 -1.1%$185,669 +0.8%
        2014$3,204 -2.1%$184,196 -1.3%
        2011$3,273 -5.6%$186,637 +0.4%
        2010$3,466 +6.3%$185,968 +0.8%
        2009$3,259 +5.4%$184,564 +31.9%
        2007$3,094 $139,918
        2006-- --
        2005-- --
        2004$3,145 +5.5%--
        2003$2,980 +3.1%--
        2002$2,890 --
        2001$2,890 --
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: Monteray Lakes

        Getting around

        23 / 100
        Car-Dependent
        22 / 100
        Minimal Transit
        45 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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